Terms & Conditions
1. Acceptance of Terms
By accessing or using the website at https://protection.program-specialists.com/ (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.
We reserve the right to modify these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
2. Nature of Our Service
Protection Program Specialists is an independent advertising and lead generation service. We operate a qualifying quiz to match homeowners with third-party home warranty providers. We are:
- Not a home warranty company
- Not an insurance company or licensed insurance agent
- Not affiliated with any specific home warranty provider unless explicitly stated
- A paid advertising service that may receive compensation when users are connected with third-party providers
Any home warranty coverage, pricing, terms, and conditions are solely determined by the third-party provider you are connected with after completing our quiz.
3. Advertising Disclosure
This Site is an advertisement. We receive compensation from third-party home warranty providers when users are referred to their services. This compensation may influence which providers we connect you with, but does not affect the quiz questions or your qualification results.
The statements made on this Site regarding home warranty savings, coverage availability, and pricing are for illustrative purposes only. Actual pricing and coverage vary by provider, location, and home characteristics.
4. No Guarantee of Coverage or Pricing
Completing the quiz on our Site does not guarantee that you will be approved for any home warranty plan or that any specific pricing will be available to you. All coverage decisions are made solely by the third-party home warranty provider, subject to their own terms, underwriting standards, and availability in your area.
Any pricing referenced on this Site (e.g., "$1/day," "$30–$60/month") represents general market estimates and is not a binding quote. Actual pricing is determined by the provider.
5. User Eligibility
By using this Site, you represent and warrant that:
- You are at least 18 years of age
- You are a resident of the United States
- The information you provide through our quiz is accurate to the best of your knowledge
- You are using the Site for personal, non-commercial purposes
6. Consent to Contact
By completing our quiz and being redirected to a third-party home warranty provider, you may be providing consent for that provider or their partners to contact you regarding their products and services. Such contact may include calls, texts, or emails. Please review the third-party provider's terms and consent language carefully before submitting any information on their website.
Protection Program Specialists does not itself initiate outbound calls, texts, or emails to users who complete our quiz, unless you separately provide us with your contact information and consent.
7. Third-Party Websites and Providers
Our Site redirects users to third-party websites operated by home warranty providers. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We are not responsible for any products, services, or representations made by third-party providers.
We encourage you to read the terms and conditions and privacy policy of every third-party site you visit.
8. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, and code, is the property of Protection Program Specialists or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
9. Prohibited Use
You agree not to:
- Use the Site for any unlawful purpose
- Submit false or misleading information through the quiz
- Attempt to scrape, crawl, or systematically extract data from the Site
- Interfere with or disrupt the operation of the Site
- Use the Site to transmit spam, malware, or harmful code
- Impersonate any person or entity
10. Disclaimer of Warranties
The site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Protection Program Specialists and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the site or any third-party services you access through the site. Our total liability to you for any claim arising from these terms shall not exceed $100.
12. Indemnification
You agree to indemnify, defend, and hold harmless Protection Program Specialists and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
13. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Nevada, and you consent to personal jurisdiction in such courts.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Protection Program Specialists regarding your use of the Site and supersede all prior agreements and understandings.
16. Contact Us
If you have questions about these Terms, please contact us:
Protection Program Specialists
Email: privacy@program-specialists.com
Website: https://protection.program-specialists.com/